ZIP Code 75164 — Josephine city, TX Demographics & Data

ZIP code 75164 covers Josephine, TX in Collin County with a population of about 669.

At a glance, the area shows median age of 41.6 versus a U.S. median of about 38.9.

It sits in telephone area codes 214, 469, 945, 972; U.S. House district TX-3; the DALLAS - FT. WORTH media market.

Median household income in ZIP 75164 is about $54,844 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.4%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Food services, Healthcare, and Construction; about 12.3% of workers reporting work-from-home (about 2.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $229,000 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.7% (about 29.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75164 in Josephine, TX, a household would need roughly $63,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,471. That is roughly in line with the local median household income ($54,844). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Josephine city, TX as Relatively High (composite score 98.9), which is among the highest nationally. The strongest component scores on US5 are flood (96.8) and wildfire (81.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Josephine city, TX show little to no average snow and around 39.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 32 for ZIP 75164 (Josephine city, TX) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.